Courtesy of Iryna

604-763-3669 irynas@sutton.com www.IRYNAS.com IRYNA

Sutton Group - Seafair Realty #550-9100 Blundell Rd. Richmond BC, V6Y 1K3 Office: 604.273.3155

2025 | ISSUE 9

FALL DECOR TRENDS

With the warm and sunny days of summer slowly transforming to cooler autumn weather, home decor trends are also shifting and retro is making a comeback. According to the Pinterest Fall 2025 Trend Report, searches for “thrifted decor” and “thrifted kitchen” are leading the pack and transforming homes everywhere. Thrifted items are not only sustainable and budget-friendly, but they allow you to curate a look that is uniquely yours. When thrifting this fall, to keep in line with trends, look for polka dots on anything from serving dishes to area rugs to bedding. Also, keep an eye out for items in the Art Deco style, characterized by bold geometric patterns, rich colours, brass, chrome, lacquered wood and other elements that bring you back to the 1920s and 1930s. The colours of fall seem to be trending toward caffeine-inspired shades, which are perfect for creating a cozy and comfortable aesthetic perfect for the season.

Easy CHICKEN MARSALA

INGREDIENTS:

• 3 tablespoons olive oil • 4 (6 ounce) skinless, boneless chicken breast halves • 1 cup sliced fresh mushrooms • ¼ cup chopped green onion

• ⅓ cup Marsala wine • salt and pepper to taste • ⅓ cup heavy cream • ⅓ cup milk

DIRECTIONS:

1. Heat olive oil in a large skillet over medium heat. Saute chicken in hot oil until cooked through and juices run clear, about 15 to 20 minutes. 2. Add mushrooms and green onions to the pan and saute until soft, then add Marsala wine and bring to a boil.

3. Continue to boil for 2 to 4 minutes, seasoning with salt and pepper to taste. Stir in cream and milk and simmer until heated through, about 5 minutes.

YOU DON’T HAVE TO BE GREAT TO START, BUT YOU HAVE TO START TO BE GREAT.”

ZIG ZIGLAR

CREDIT SCORE Maintaining or building a good credit score is imperative if you’re looking to buy a home in the near future (or a vehicle or another large purchase where you’ll need a lender to extend credit). The score, a number between 300 and 900, helps lenders determine how much of a risk you are. Based on that, they decide whether to lend you money in the form of a loan or mortgage, and if so, how much interest to charge you. Five factors contribute to your score: payment history, credit utilization, credit history, credit mix and hard credit inquiries. Various lenders (and the credit bureaus) weigh each factor differently, so your credit score may differ slightly from what you see when you pull it versus what your bank sees, for instance. The two credit bureaus in Canada are Equifax and Trans Union and both allow you to look at your credit report once a year at no cost. It doesn’t count as a credit inquiry and won’t impact your score overall, so don’t worry about requesting it. Once you know where you’re sitting, you can take steps to improve your credit score or maintain it if it falls in the very good or excellent categories (above 725 and 760 respectively).

YOUR LOCAL LIBRARY

Libraries offer so much more than just books. The majority of public libraries across the country are free and all you need to obtain a library card is ID and proof of address. Once you have a library card, so many free resources are available to you. Of course it depends on your local branch, but free Wi-Fi, use of a computer and printer, quiet working space and a community hub are some of the physical benefits aside from books, magazines and reference materials. Librarians are also on hand to help you find reference material, connect you with programming and help you find just the right book to cozy up to next weekend. Digitally, many libraries offer access to ebooks, audiobooks, streaming movies and music. Online courses to develop life skills, further your career or just general interest courses are available to help you grow your knowledge. Beyond these, some libraries provide access to cutting-edge technology such as 3D printers, virtual reality headsets and coding workshops. They also host community programs including workshops, story times for children, book clubs and cultural events, which foster community engagement and lifelong learning.

FALL JOKES What’s the best thing to put into a pumpkin pie? Your teeth.

Star Puzzle To complete the puzzle fill in each of the empty hexagon cells with numbers between 1 and 7 following the 3 rules:

Why do birds fly south in the fall? It’s too far to walk.

1. No numbers in a

horizontal line can be repeated. 2. No numbers in a diagonal line can be repeated. 3. No numbers in the 7 gray hexagons can be repeated.

What’s an elephant’s favourite vegetable? Squash. What do you call a small pepper in late fall? A little chili. Why did the tree giggle? It heard acorn-y joke .

Solution

Canada’s REALTORS® have received another sign that the market rebound they have been waiting for may have arrived. Monthly home resales across the country increased for the fourth month in a row in July, rising by nearly 4.0% over June, according to the latest report from the Canadian Real Estate Association (CREA). Most of the increase was posted in the Greater Toronto Area. Transactions in the region have increased 35.5% since March, but remain historically low. A total of 45,973 homes changed hands across Canada last month, up from 43,122 in July 2024, a 6.6% increase. “The long-anticipated post-inflation crisis pickup in housing seems to have finally arrived,” said, CREA’s Senior Economist, Shaun Cathcart. Prices remained flat. The national average home price sits at a little less than $673,000, an increase of just 0.6% over last July. CREA’s preferred pricing measure, The National Composite MLS® Home Price Index (HPI), was unchanged between June and July 2025. It has been mostly stable since May. New supply was also flat, registering just a 0.1% increase month-over-month. The number of properties listed for sale at the end of July totalled 202,500, a 10% increase from a year earlier. “Looking ahead a little bit, it will be interesting to see how buyers react to the burst of new supply that typically shows up in the first half of September,” said CREA’s Cathcart. - First National Financial LP

Vancouver Statistics

AVERAGE PRICES

$ 1,950,300 detached DOWN 4.8% year-to-year

$734,400 apartment DOWN 4.4% year-to-year

DOWN 3.6% year-to-year $1,079,600 townhouse

7.1 MONTHS OF INVENTORY 54.1% SALES TO NEW LISTING RATIO

Mortgage Rates effective: August 25, 2025

QUICK CALCULATOR PER $1,000* Fixed Rates:

CLOSED FIXED RATES 1 Year Closed ......... 4.69% * 2 Year Closed ......... 4.29% * 3 Year Closed ......... 3.99% * 4 Year Closed ......... 4.04% * 5 Year Closed ......... 4.09% * 7 Year Closed ......... 5.50% * 10 Year Closed ....... 5.79% *

VARIABLE RATES 5 Year Closed: Prime -0.75% Currently 4.20%* 3 Year Closed: Prime - 0.45% Currently 4.50%* PRIME RATE CURRENTLY 4.95%

1 year: 4.94% = $5.64 per $1000* 5 year: 4.04% = $5.31 per $1,000* 10 year: 5.79%= $6.27 per $1,000* Variable Rates: Based on 4.95% prime

*Assumes a 25 year amortization and/or specific property requirements.

Statistics reflect market activity in August 2025. Source: Greater Vancouver REALTORS ® Market values stated are of the average of Metro Vancouver and surrounding region. Individual home market values will vary and are affected by factors such as location, size, interior and exterior condition. Please call to get an up-to-date evaluation of your home.

5 year closed: 4.20%* = $5.37 per $1,000 3 year closed: 4.45%* = $5.51 per $1,000 Home Equity line of credit: P+.25% = 5.20%

Sutton Group - Seafair Realty 604-763-3669 irynas@sutton.com www.IRYNAS.com IRYNA If you are looking to buy, sell or stay put, give me a call to chat.

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